SSA Spousal Benefits and Survivor Full Guide

SSA Spousal Benefits and SSA Survivor Benefits are the basic needs for families. The Social Security Administration provides full financial support during retirement and after you lose your loved one, and we know it’s the hardest time. Many individuals still need to learn about this program from the US Govt, how to qualify for it, and how to maximize their benefits.

Spouses will receive up to 50% of the Spousal benefits of other Spouse’s Social Security benefits, but in case their benefits will be lower. Here are some criteria mentioned below.

Criteria For Spousal Benefits

1. The age of the spouse must be minimum 62 years old or child age under 16 that spouse is caring.
2. And also primary work must have already claimed their benefits.

How Maximizing SSA Spousal Benefits

• Timing matters in this case. If you claim spousal benefits before the full retirement age (FRA), you will receive a lower payout.
• In a divorced Spouse case, if you want to get your spousal benefits, then your marriage period should be at least 10 years, and you have not remarried; in this case, chances of your qualifying for the spousal benefits will be high based on your ex-spouse’s earning record.

What Are SSA Survivor Benefits?

The financial support in the SSA Survivor benefits for spouse the children and also can be dependent parents of a deceased worker. The benefit amount depends on the survivor’s age and the deceased worker’s earnings. 

How to Claim Survivor Benefits

• Contact the SSA contact number 1-800-772-1213 or you can visit the SSA Office near me.
• These documents must be provided such as the worker’s death,proof of relationship and marriage certificate.

Common Questions

Question? Can I receive both my own retirement and survivor benefits?

Answer: No, Only you can get the two higher amounts.

Question? Do remarried spouses qualify?

Answer: Remarriage does not disqualify you after age 60 from survivor benefits.

Conclusion

During the challenging times, SSA Spousal Benefits and survivor benefits are not valuable in ensuring financial stability. Try to learn and understand about the Social Security Administration eligibility and plan your claims strategically; you can mostly make these programs.